Why Liability Insurance?

Because no matter how careful you are, accidents happen. And you can be sued by anyone who claims injury or damages resulting from your activities. You may not be liable, but you will need to be defended in court. A liability policy will pay for this defence as well as any costs awarded against you. In short, liability insurance gives you peace of mind.

Who is Insured?

All current members of Triathlon BC, including executives, managers, coaches, trainers, officials and volunteers while acting within the scope of their duties.

Activities Covered

Sanctioned events and authorized training events where all participants are members of Triathlon BC.

General Liability Insurance

The policy will pay those sums that the insured becomes legally obligated to pay as compensatory damages because of bodily injury to or damage to property of others, such as spectators, passers-by, property owners and others resulting from your operations or actions. Coverage includes your legal liability for injury to participant.

Limit - $5,000,000 (additional coverage can be purchased, as required).

Including the following extensions:

  • Premises, Property and Operations
  • Products and Completed Operations
  • Blanket Contractual
  • Personal Injury (libel and slander)
  • Employees as Additional Insured
  • Cross Liability
  • Non-Owned Automobile (in most cases)
  • Tenants Legal Liability

A deductible of $500 applies to bodily injury, property damage and legal expenses.

Directors and Officers Insurance

Directors and officers may be sued for actual or alleged errors or omissions while performing their duties as officials of the organization. D&O insurance will pay those sums the organization, directors and officers become legally obligated to pay as compensatory damages because of a wrongful act.

Limit $1,000,000 (additional coverage can be purchased, as required).

Deductible $500

Sport Accident Insurance

Coverage for practices, games, team travel. One plan covers all participants, managers, coaches, executives, and field officials throughout the entire season.

For each separate accident the Plan may pay out coverage for:

  • Dental - Up to $2,000

For dental treatment resulting from injury to sound natural teeth and completed within 52 weeks of the accident.

  • Accident Reimbursement - Up To $10,000

For costs not insured by Provincial Medical Plan, including crutches, splints, medical braces, emergency ambulance, excess physiotherapy, prescription drugs for the injury, etc., incurred within 52 weeks of the accident.

  • Principal Sum Benefits - Up To $10,000
  • Accidental Death - $10,000

Additional coverage is available for:

  • Fracture Indemnity Benefit
  • Rehabilitation Indemnity Benefit

Up to $50 for transportation from the field of play to the nearest hospital or doctor’s office.